Senior Product Manager

EML; Greater London; On-site; GBP 90,000 - 130,000; Full time

Benefits offered by this job

25 days annual leave

Birthday leave

Volunteering days

Parental leave

Private medical insurance

Employee Assistance Programme

Pension scheme

Income protection

Cycle to Work

Professional membership

Job summary

EML Payments is seeking a Senior Product Manager to own a complex payments domain across multiple markets, focusing on strategy, prioritisation, and driving commercial outcomes. You will mentor junior PMs, shape product practice, collaborate with engineering, design and QA, and partner with clients and partners on strategic initiatives while navigating card schemes, regulation, and enterprise expectations.

You will operate with autonomy, define success metrics, and contribute to governance and

Qualifications

• 5-8 years of product management experience in payments
• Proven track record owning complex, ambiguous product areas
• Deep understanding of card schemes, authorisation, settlement flows and regulatory frameworks

Responsibilities

• Define and own the product strategy and roadmap for a complex product area, connecting to business objectives.
• Maintain a deep understanding of the payments landscape, including scheme economics and regulatory shifts, to shape direction.
• Make strategic prioritisation decisions balancing customer value, revenue, scalability and compliance across jurisdictions.
• Contribute to quarterly and annual planning, providing input on investments and resource allocation.
• Lead discovery on high-ambiguity problem spaces with structured research to reduce risk.
• Define product requirements for features spanning multiple squads, ensuring coherence and dependencies are managed.

Skills

Product management

Payments domain

Card issuing

APIs & architecture

Mentoring

Stakeholder mgmt

Regulatory familiarity

Job description

EML Payments is a global payments company, headquartered in Brisbane, Australia, and listed on the Australian Securities Exchange. We build secure, instant payment solutions that connect our clients to their customers, wherever money is in motion. Our products include banking, credit and disbursement services, earned wage access, gifts, incentives and rewards, and FX solutions. We operate in more than 25 countries, we combine the energy of a start-up with deep leadership experience

About the role

Our team knocks the boring out of payments and we do it in our own unique way: having a ‘one team’ mentality, being open, honest and trusted, bringing awesome every day, and knowing that simplicity is genius! Our core values are One Team, Openness, Awesomeness and Simplicity.

What you will do

As a Senior Product Manage r , you will own a complex product area within EML's product domains, taking on ambiguous problem spaces and driving clarity for your squad, peers, and stakeholders. You will operate with significant autonomy - setting the strategy for your domain, making high-stakes prioritisation calls, and ensuring your area delivers against both commercial targets and platform objectives.

Beyond your own product area, you will be a force multiplier - mentoring less experienced PMs, raising the quality of product practice, and representing EML's product perspective in client and partner discussions. The complexity of card scheme rules, multi-market regulatory requirements, and enterprise client expectations is something you navigate with confidence.

• Define and own the product strategy and roadmap for a complex product area, connecting it directly to EML's business objectives and competitive positioning.
• Maintain a deep understanding of the payments landscape - including scheme economics, regulatory shifts, competitor moves, and emerging client needs - and use that insight to shape product direction.
• Make strategic prioritisation decisions that balance customer value, revenue impact, platform scalability, and regulatory compliance across multiple jurisdictions.
• Contribute to quarterly and annual planning processes, providing input on investment priorities and resource allocation for your domain.
• Lead discovery on high-ambiguity problem spaces, structuring research and experimentation to reduce risk and validate opportunities before committing to build.
• Define product requirements for complex features that may span multiple squads or systems, ensuring coherence and managing dependencies across the platform.
• Partner with engineering leadership to influence technical architecture decisions, ensuring solutions are scalable, maintainable, and aligned with platform direction.
• Ensure delivery quality through close collaboration with design, engineering, and QA - holding a high bar for what ships.
• Own the end-to-end launch of significant features and capabilities, partnering with product marketing and commercial to drive adoption and commercial outcomes.
• Drive product analytics maturity within your area - establishing dashboards, success metrics, and feedback loops that enable data-driven iteration at pace.
• Represent EML's product perspective in client engagements, scheme discussions, and regulatory conversations where senior product expertise is required.
• Mentor and coach Product Managers and Associate Product Managers, supporting their development and raising the quality of product practice across the team.
• Contribute to the development of product frameworks, processes, and standards that improve how the entire product function operates.

What you will bring

• 5-8 years of product management experience, with a meaningful portion in payments, card issuing, transaction processing, or financial services.
• Proven track record of owning complex, ambiguous product areas and driving them to successful outcomes.
• Deep understanding of payments fundamentals including card scheme rules (Visa, Mastercard), authorisation and settlement flows, interchange, and regulatory frameworks.
• Strong technical fluency - ability to engage with engineering teams on architecture, API design, and system integration decisions.
• Demonstrated experience mentoring or coaching other product managers.
• Excellent stakeholder management skills with experience influencing senior leaders and external partners.
• Experience operating in regulated environments across multiple jurisdictions (UK, Australia, US, or EU).

What we offer

• 25 days' annual leave, with an additional 5 days available once your annual leave is used
• Paid birthday leave and 2 paid volunteering days a year
• Enhanced parental leave: 12 weeks for primary carers and 4 weeks for secondary carers
• Private medical insurance fully covered by EML, including 24/7 GP phone and video access, specialist consultations, diagnostics and treatment
• An Employee Assistance Programme with up to 6 confidential counselling sessions a year
• A workplace pension scheme with company contributions 5% and employee minimum 3%, salary sacrifice scheme also available
• Income protection of up to 75% of salary and life insurance at 4× annual salary
• A Cycle to Work scheme through tax-efficient salary sacrifice
• Support with one relevant professional membership a year

About EML

EML Payments is a global leader in the fintech space. Our mission is to create awesome, instant, and secure payment solutions that connect our customers to their customers, anytime, anywhere, wherever money is in motion. Our Purpose is to inspire transformative digital change for our customers and communities.

As an issuer and processor, we provide our clients and partners with innovative alternatives to traditional banking solutions for reloadable and non-reloadable programs.

Our commitment to Equal Employment Opportunity

Integrated into our Core Values is EML's commitment to diversity, equity and inclusion. EML is committed to being a globally inclusive company where all people are treated fairly, recognised for their individuality, promoted based on performance and empowered to reach their full potential. We are agile, we are innovative. We take a partnership approach; we tailor solutions and place a strong focus on operational excellence. Our place is one of collaboration, teamwork & innovation. But, above all, it’s one that embraces difference. And rather than have you blend in, we want to help you unleash your full potential.

Disclaimer

Offers are conditional on satisfactory pre-employment background screening, which may include a criminal record check. Any disclosures are assessed fairly and in line with local law.